3tej Blog - Page 6
129 guides on personal finance, taxes, real estate, investing, and health.
Asset Allocation by Age 2026: The Rule of 110 and Smarter Variants
Rule of 110: hold (110 minus your age) percent in stocks. 2026 guide with the math, alternative rules, and why a bond tent beats the standard declinin...
The 50/30/20 Budget Rule (2026 Guide with Worked Examples)
The 50/30/20 rule splits after-tax income into 50% needs, 30% wants, 20% savings and debt payoff. Full 2026 guide with worked examples by income level...
5/1 ARM Explained 2026: When the Math Beats a 30-Year Fixed
A 5/1 ARM has a fixed rate for 5 years then adjusts annually. 2026 guide with the math: when an ARM beats a 30-year fixed (hold under 7 years, rates e...
401(k) vs IRA: Which to Max First in 2026 (The Right Order)
The right order to max US retirement accounts in 2026: 401(k) up to match, then HSA, then Roth IRA, then 401(k) max, then taxable brokerage. Full guid...
US work visa 2026: H-1B vs O-1 vs EB-2 NIW vs EB-1A ranked by speed + lottery odds
US work visa 2026: 4 paths ranked. H-1B lottery 25% selection. O-1A no lottery but extraordinary ability bar. EB-2 NIW self-petition green card. EB-1A...
Roth vs Traditional 401(k) 2026: 8 scenarios ranked by which actually wins (worked math)
Roth or Traditional 401(k) in 2026 IRS: the decision by income, state tax, age, and expected retirement bracket. 8 scenarios ranked, with terminal-val...